Browse Business Listings in San Jose, California for Check Cashing & Cash Advance

San Jose, CA Check Cashing and Cash Advance – If you decide you need an iPod today, not in three weeks, our check cashing and cash advance in San Jose, CA can put dollars in your hand. What happens next is up to you.

Money Orders in San Jose, CA

Have a check to cash but no bank account? Are you in a financial bind, like maybe you just paid rent and your car broke down? It’s horrible when you don’t have enough money to get to work and make money.

Well, lucky for you, our San Jose, CA check cashing and cash advance services are always open to help you out of a bind. We understand that even the best of us can fall on hard times. (Actually, our business model sort of depends on it.)

Check cashing services in San Jose, CA offer an alternative if you do not have a bank account. Typically, an ID and check verification are all you need to get those Benjamins in your hand. There is usually a small fee attached to check cashing, which can range from one to three percent. It varies depending if you’re cashing a personal check, payroll check, or government check. Our cash advance service may also offer money orders, calling cards, photo ID, passport photos, prepaid credit cards, wire transfers, and more.

The loan experts at our San Jose, CA check cashing service are skilled and experienced. They’re nicer than the tellers at the bank, too.

San Jose, CA Payday Loan Service

If you are in a pinch and need extra cash to hold you over until your next payday, our services are a great alternative to borrowing money from your mom again. Depending on the cash advance service you choose, we can provide payday loans up to $1,500. There is generally no credit check required; we just need proof of income and employment, ID, and a working phone number.

How Much Will I Pay for a Payday Loan?

The limits on the service fees for payday loans are based on the amount of the loan. The payday lender may charge up to 15% on the first $100, 14% on the second $100, 13% on the third $100, 12% on the fourth $100, and 11% on the fifth and sixth $100.

Payday loans can be very expensive. For example, a customer who borrows $100 will be charged up to $15 for a two-week loan (the payday lender may provide for a shorter or longer period -- up to 31 days). The customer writes a check for $115 and receives an immediate $100 in cash.

Because the payday loan is short term, the service fee translates into a triple-digit annual percentage rate (APR). While the actual cost of this two-week loan is $15, the annual percentage
rate of that $15 is 391 percent. The San Jose, CA payday lender may charge an additional database verification fee of 45 cents per transaction.

Although cash advances are a great way of obtaining money to hold you over until your next payday, interest rates can be quite high, reaching 250 percent over a year. They really only make sense if you plan on paying us back. Be careful not to abuse the borrowing process. We wouldn’t want you to get into more debt than you can handle.

Even I, the humble copywriter, have found myself in a pinch and have used our San Jose, CA cash advance services. If you’re hard up for some dough, give us a call. You’ll be glad you did.

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